Profitability
Weight: 25%
D+
42
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend -7.44 pp/yr
BMRC
Bank of Marin Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C-
48
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.4%
- 5yr Share-Count CAGR 2.5%
Growth Quality
Weight: 10%
B+
78
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 11.6%
- 5yr EPS CAGR 4.4%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A+
100
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.31x
Balance Sheet
Weight: 30%
C+
61
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.1%
- Interest Coverage (EBIT/Int) 1.22x
Stability
Weight: 10%
B
70
- EPS Volatility (σ/μ) 0.28
- Piotroski F-Score 7
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Cooperman new